Business Loan Affordability Calculator
Use the calculator below to test assumptions before submitting an inquiry. It models a standard amortizing loan and does not account for every fee, variable rate, irregular payment, or provider method.
Educational calculator
Test an amortizing-loan scenario
Estimated monthly payment
$2,125
- Total repayment
- $127,482
- Estimated interest
- $27,482
- New payment / cash flow
- 21.2%
- Cash-flow coverage
- 2.76×
Accepted ranges: $1–$100 million, 0%–100% annual rate, and 1–360 months. Values outside these limits are capped.
Estimates assume equal monthly payments and no fees. This is not an offer, approval, rate quote, financial advice, or prediction of provider calculations.
Interpret the result conservatively
Available cash flow should reflect what remains after ordinary operating expenses, taxes, owner compensation, and a reasonable reserve—not gross revenue. Stress-test the calculation using a higher rate, shorter term, or lower monthly cash-flow estimate.
Costs the calculator does not include automatically
- Origination, packaging, documentation, appraisal, legal, filing, or closing fees.
- Variable-rate changes, late charges, default interest, or prepayment terms.
- Daily, weekly, seasonal, or revenue-percentage payment structures.
- The opportunity cost of using cash for repayment instead of inventory, payroll, or reserves.
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